2018 Best Balance Transfer Promotions – 0% Credit Cardshttps://balancetransferpromotions.net
Top Cards For Low Rate Balance Transfer DealsTue, 16 Jan 2018 03:21:11 +0000en-UShourly1https://wordpress.org/?v=4.9.1Which Credit Card Offers are Best for Consumers with Credit Scores Under 650https://balancetransferpromotions.net/which-credit-card-offers-are-best-for-consumers-with-credit-scores-under-650/
https://balancetransferpromotions.net/which-credit-card-offers-are-best-for-consumers-with-credit-scores-under-650/#respondSun, 10 Dec 2017 03:55:13 +0000https://balancetransferpromotions.net/?p=130Continue reading "Which Credit Card Offers are Best for Consumers with Credit Scores Under 650"]]>It doesn’t mean that you cannot get approved for any credit card if your credit score is below 650. It is possible to get approved for a credit card with this range of credit score but the perks of the card will be less attractive and the interest rate is likely to be high. However, if you consistently pay on time, it will help in raising your credit score so that you can qualify for a better credit card. The following are the top 4 credit cards for people who have a credit score under 650.

1. Chase Slate
Chase Slate is the best card for those who have a credit score under 650. It comes with a zero percent 15 months introductory offer which applies to purchases and balance transfer. If you transfer your balance within 60 days, there will be no balance transfer fee charges. Chase Slate does not penalize card holders who are late in making payment by raising the APR. You don’t have to bear the annual fee cost when signing up for the card. You can log into your online account to check your updated FICO score every month.

2. Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back for every dollar that is spent regardless of the category. It does have an annual fee of $39. To cover the annual fee, you must spend at least $2,600 on the credit card every year. The variable APR is same as the cash advanced APR which is 24.99%. Foreign transaction fee is not added to your balance when you use the card to shop overseas.

3. Capital One Platinum Credit Card
Capital One Platinum Credit Card allows you to get qualified for a higher credit line if you are on time in making payment for the first 5 month. It gives you the option of selecting your own due date. If you are late on making payment, they will not raise the APR of the card. Capital One Platinum Credit Card has a relatively high variable APR that starts from 24.99%. However, the high APR is nothing you need to worry about if you pay your balance in full every month.

4. AOBC Platinum Rewards CardAOBC Platinum Rewards Card comes with a zero percentage intro period that lasts for 1 year. The rewards program allows you to earn 1x point for every dollar spent. You can exchange the points for different stuff such as statement credit, gift card and voucher for your travel expenses. No penalty APR will be charged if you miss a payment. However, being late on your payment may causes you to lose access to the zero percentage introductory offer.

]]>https://balancetransferpromotions.net/which-credit-card-offers-are-best-for-consumers-with-credit-scores-under-650/feed/0How Many Hotel and Travel Credit Cards Does Chase Offerhttps://balancetransferpromotions.net/how-many-hotel-and-travel-credit-cards-does-chase-offer/
https://balancetransferpromotions.net/how-many-hotel-and-travel-credit-cards-does-chase-offer/#respondFri, 03 Nov 2017 01:59:23 +0000https://balancetransferpromotions.net/?p=127Continue reading "How Many Hotel and Travel Credit Cards Does Chase Offer"]]>Chase offers 18 hotel and travel credit cards. All the hotel and travel credit cards that Chase offer has attractive rewards programs in place that allow customers to earn rewards while spending money. The following are the 18 hotel and travel credit cards that Chase offers.

2. Chase Sapphire Reserve
Chase Sapphire Reserve offers 50,000 bonus points for those who spend $4,000 in the first 3 months. You can earn 3x points on travel and dining.

3. Southwest Rapid Rewards Plus
Both Southwest Rapid Rewards Plus offer 40,000 bonus points for the first $1,000 spent in the first 3 months. You can get 2x points on Southwest purchases and you can earn 3,000 bonus points on every anniversary.

5. United MileagePlus Explorer
United MileagePlus Explorer card offers 40,000 bonus miles after spending $2,000 within a period of 3 months after account opening. You can earn 2x miles on each dollar spent for ticket at United.

6. United TravelBank Card
United TravelBank Card offers $150 cash back after you have spent $1,000 within the first 3 months. You can earn 2% cash back on purchases at United and 1% cash back for other purchases.

7. United MileagePlus Club Card
United MileagePlus Club Card offers 50,000 bonus miles when you spend $3,000 within a period of 3 months. You can earn 1.5 miles for each dollar spent.

8. British Airways Visa Signature
British Airways Visa Signature offers up to 75,000 bonus Avois including 50,000 bonus Avios for the first $3,000 and 25,000 bonus Avois when you spend a minimum of $10,000 in the first year.

9. Marriott Rewards Premier
Marriott Rewards Premier credit card offers 80,000 bonus points for a total expenditure of $3,000 in the first 3 months. Each purchase at Mariott will earn you 5x points.

10. IHG Rewards Club Select
IHG Rewards Club Select credit card offers 60,000 bonus points after you meet the minimum spending of $1,000 within a period of 3 months. You can earn 5x points for each dollar spent at IHG hotels.

11. Hyatt Credit Card
The Hyatt Credit Card offers 40,000 bonus points when you have spent a minimum of $2,000 within a period of 3 months. You can earn 3x bonus points on each dollar spent at Hyatt hotels. Every year, you get 1 free night.

12. Ritz Carlton Rewards
The Ritz Carlton Rewards card offers 2 complementary nights at Ritz Carlton hotel for those who spend $4,000 within a period of 3 months. You can earn $300 annual travel credit can you can upgrade to The Ritz-Carlton Club Level at least 3 times each year.

13. Disney Premier Visa Card
Disney Premier Visa Card offers $200 statement credit when you spend a minimum of $500 within a period of 3 months. You can earn 2% on selected categories and the points you earn can redeem stuff from Disney stuff and statement credit.

14. Disney Visa Card
Disney Visa Card offers $50 statement credit when you make the first purchase. All purchases will earn 1% cash back. You will receive Disney and Star Wars perks throughout the year.

15. Ink Business Preferred Credit Card
Ink Business Preferred credit card offers 80,000 bonus points that can be exchanged for $1,000 worth of travel voucher when you spend a minimum of $5,000 during the first 3 months. In addition, you can earn 3x points in selected business categories.

16. Southwest Rapid Rewards Premier Business Credit Card
Southwest Rapid Rewards Premier Business Credit Card offers 60,000 bonus points when you have spent a minimum of $3,000 within a period of 3 months. The rewards program allows you to earn 2x points on Southwest purchases and 6,000 points on each anniversary.

17. United MileagePlus Explorer Business Card
United MileagePlus Explorer Business Card offers 50,000 bonus miles for a minimum spending level of $3,000 within the first 3 months. You can earn 2x miles on United purchases and other selected categories.

18. Marriott Rewards Premier Business Credit Card
Marriott Rewards Premier Business credit card features a signup bonus of 80,000 points when you have spent $3,000 within the first 3 months. You can earn 5x points on each purchase at Marriott.

]]>https://balancetransferpromotions.net/how-many-hotel-and-travel-credit-cards-does-chase-offer/feed/0Compare Rewards Credit Card Sign Up Offers Before You Apply For Extra Bonus Pointshttps://balancetransferpromotions.net/compare-rewards-credit-card-sign-up-offers-before-you-apply-for-extra-bonus-points/
https://balancetransferpromotions.net/compare-rewards-credit-card-sign-up-offers-before-you-apply-for-extra-bonus-points/#respondSat, 23 Sep 2017 03:16:08 +0000https://balancetransferpromotions.net/?p=123Continue reading "Compare Rewards Credit Card Sign Up Offers Before You Apply For Extra Bonus Points"]]>Many rewards credit cards come with signup bonus offers that allow you to earn a lot of rewards points at one time when you meet a minimum spending level in the first few months. These signup bonus offers can come in handy in helping you to save money on your vacation expenses. The following are the top 4 rewards credit cards that offer signup bonus offers.

1. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card offers a signup bonus of 40000 miles that is equivalent to a $400 voucher that can be used toward your traveling expenses. To get the 40,000 miles signup bonus, you must first spend a minimum of $3,000 in 3 months. The card has a $0 annual fee in the first year and you will be charged with a $59 fee after that. The card has a variable interest APR in between 13.99% – 23.99%.

2. Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express offers a $150 statement credit when you have spent at least $1,000 within a 3 months period. The cash back card allows you to earn 6% cash back when you spend money at US supermarkets. If you spend money at the gas station or department store, you will earn 3% cash back. Blue Cash Preferred also allows you to earn 1% cash back on all other purchases. There is no annual fee in the first year but you will be charged $95 for the annual fee in the second year.
3. Chase Sapphire Preferred

Chase Sapphire Preferred features a one-time signup bonus of 50,000 bonus points. The condition for redeeming the 50,000 signup bonus point is to spend $40000 within 3 months. The 50,000 signup bonus point can be used to redeem $625 of vouchers for traveling expenses. Chase Sapphire Preferred allows you to earn 2 points per dollar for two shopping categories including dining and travel. Chase Sapphire Preferred credit card is made of metal instead of plastic like most other credit cards. The annual fee is waived in the first year and a $95 fee will be charged in the second year. The card has a variable APR interest that is in between 16.99% – 23.99%.

4. Chase Freedom

Chase Freedom features a signup bonus offer that let you earn $150 when you spend a minimum of $500 within a 3 months period. It offers 5% cash back each quarter when you spend money on the rotating bonus categories up to $1,500. All other purchases will earn 1% cash back. The APR interest rate is in between 15.99% – 24.74%. Chase Freedom features a 0% intro that last for 15 months on both purchases and balance transfer. There is a 5% ($5 minimum) balance transfer fee.

]]>https://balancetransferpromotions.net/compare-rewards-credit-card-sign-up-offers-before-you-apply-for-extra-bonus-points/feed/0Which Business Credit Cards Do Small Business Owners Prefer for the Cash Back Benefitshttps://balancetransferpromotions.net/which-business-credit-cards-do-small-business-owners-prefer-for-the-cash-back-benefits/
https://balancetransferpromotions.net/which-business-credit-cards-do-small-business-owners-prefer-for-the-cash-back-benefits/#respondFri, 13 Jan 2017 03:29:23 +0000https://balancetransferpromotions.net/?p=118Continue reading "Which Business Credit Cards Do Small Business Owners Prefer for the Cash Back Benefits"]]>Small businesses can apply for business credit cards to allow them to conveniently pay for their business expenses. When using the card to pay for your business expenses, you can also earn rewards points that transform into cash back savings. The following are the top 3 business credit cards that you can offer the best cash back benefits.
1. Ink Business Cash Credit Card
Ink Business Cash Credit Card will give you a cash back of $300 when you charge at least $3,000 of purchases for your small business. It offers a 5% cash back for the first $25,000 when you pay for business related expenses such as office equipment, internet fee, landline and mobile telephone fee. It offers 2% cash back for non business related expenses like gas stations and dining. The 2% cash back also applies to the first $25,000 that is spent on the card.

If you spend $25,000 in both the 5% and 2% categories, you would be earning a cash back of $1,750. the rewards points that you earn can be combined with the rewards points that you earn on other chase credit cards. Ink business cash credit card does not have annual fee. The spending limit of the card can be adjusted if you want to let your employee use it
2. Capital One Spark Cash for Business
Capital One Spark Cash For Business offers $500 cash back when you spend at least $4,500 in 3 months. It offers 2% cash back no matter what type of purchases you make. There is no minimum amount of points that you must accumulate in order to redeem the rewards. In order for the card to be profitable, your small business should have an expenditure of at least $11,800 per year. It is ideal for small businesses that are not spending enough in the bonus categories or travel. There is a $59 annual fee but the fee is waived in the first year.

Capital One Spark Cash for Business does not have foreign transaction fee. It offers free employee cards that your employees can use to make purchases on behalf of your business and also earn rewards at the same that. It offers fraud coverage in case someone misuse your card to make purchases. If someone attempts to use your card, you will receive an alert through SMS, email and telephone. The purchase APR rate for Capital One Spark Cash for Business is 17.49%.
3. Bank of America Cash Rewards for Business
Bank of America Cash Rewards for Business is offering up to $200 of statement credits if you spend $500 in 60 days after your account is opened. The cash back rewards program allows you to earn 3% cash back on gas and office supplies. You can earn up to 2% cash back when you use the card to pay for your dining expenses. The 3% and 2% cash back rewards is subjected to the maximum cap limit of $250,000 per year. The rest of your purchases will be rewarded with 1% cash back.

]]>https://balancetransferpromotions.net/which-business-credit-cards-do-small-business-owners-prefer-for-the-cash-back-benefits/feed/0What is the Average Credit Score to Qualify for Zero Percent Credit Cardshttps://balancetransferpromotions.net/what-is-the-average-credit-score-to-qualify-for-zero-percent-credit-cards/
https://balancetransferpromotions.net/what-is-the-average-credit-score-to-qualify-for-zero-percent-credit-cards/#respondMon, 14 Nov 2016 01:56:42 +0000https://balancetransferpromotions.net/?p=114Continue reading "What is the Average Credit Score to Qualify for Zero Percent Credit Cards"]]>
Credit scores are used as a score used to measure your ability to repay your bills and qualify for almost every type of loan or financial obligation.. A poor credit score means that there are a lot of time when you did not submit your payment for the bill you are supposed to pay promptly. On the other hand, good credit score means you have good financial management habit and always punctually make repayment for your credit card.

You need to have at least an average credit score which is in the range of 600 – 679 to qualify for one of the balance transfer card offers in the market. Having an average credit score can’t get you the best balance transfer card offers but there are still plenty of other offers that will easily approve your application. If your credit score is 750+, many credit card companies will gladly approve your application for their best balance transfer card offers.

If you have a poor credit score, there is a high chance that your application will get rejected no matter which credit card you apply. So, you should be building your credit score to acceptable level first if you have bad credit score and want to qualify for a zero percent balance transfer credit card. There are lots of balance transfer card offers with each having a different credit score requirement.

The easiest way to find out the credit score requirement for each balance transfer card is to do research on the web for keywords like the top balance transfer cards. You will find that a lot of top reviews at the finance blogs will state the minimum credit score requirement that you need to have in order to get approved. If you are curious to know the minimum credit score for a certain balance transfer card, you can search Google with keyword like “credit card name”+”credit score”. When you hit enter, you will see the minimum credit score for that particular card on several websites.

You should definitely apply for a balance transfer credit card If you hold multiple credit cards in your card and are looking for a way to clear up your debt. It will help in simplify the process of repaying for the credit card debt. Balance transfer card is ideal for people who are able to come up with the funds to make the monthly repayment promptly. You should do some calculation and see how much you are able to set aside each month to repay the balance transfer card.

You must have confident that you will finish repaying the entire pile of credit card debt within the introductory period that entitle you to enjoy zero percent APR. Before you fill in the application form, make sure you check how long the zero percent APR introductory period last and if there is any balance transfer fee.

]]>https://balancetransferpromotions.net/what-is-the-average-credit-score-to-qualify-for-zero-percent-credit-cards/feed/0How Many Credit Cards Should College Students Havehttps://balancetransferpromotions.net/how-many-credit-cards-should-college-students-have/
https://balancetransferpromotions.net/how-many-credit-cards-should-college-students-have/#respondMon, 12 Sep 2016 02:32:15 +0000https://balancetransferpromotions.net/?p=111Continue reading "How Many Credit Cards Should College Students Have"]]>Many college students want to have credit cards for paying college expenses such as food, and textbooks. Getting a credit card is helpful for college students because it gives them the opportunity to build up a responsibility in keeping their finance in good state and also to develop a good credit score. Since this is the first time you get a credit card, you should only apply for one credit card. You should first learn to manage one card first.

If you can manage one credit card well, you can apply for multiple cards when you graduate. While you are in college, you have a limited income with a lot of college expenses to cope. You are probably taking a part time job to cope with your college expenses. Applying for multiple cards can put a burden in you and make it hard for you to cope with your college expenses.

Many students can’t control themselves in spending money when they have multiple credit cards. They simply take any of their card out to swipe and charge without thinking whether they are going to be able to pay it. This will bring burden to your parents because they are your cosigner and they will have to pay for all the balances you charge to the cards when you can’t pay.

Lots of students have left college with a huge burden of debt to pay when they start working. Survey shows that young U.S. households are the group that have the second highest bankruptcy rate in the USA. To prevent yourself from getting trapped in debt, it is wise to just apply for a single credit card.

One card is sufficient for you to build your credit by paying all your balances promptly on the due date. Credit cards for college students will offer protection against fraud loss for up to $50. You should never charge the card more than 30% of the available credit. When you have one credit card, it can be easy to exceed this limit when you are charging your card for purchases.

It is recommended that you pay cash whenever possible and avoid charging it for all your daily expenses. You can use the free online credit score monitoring tool to monitor your credit score. Building up your credit score is important because it will serve as an important credit reference when you apply for a new personal or car loan upon graduating. It is also necessary to show your credit report when you are applying for a new phone.

]]>https://balancetransferpromotions.net/how-many-credit-cards-should-college-students-have/feed/0What Bank is Offering Barclay Credit Cardshttps://balancetransferpromotions.net/what-bank-is-offering-barclay-credit-cards/
https://balancetransferpromotions.net/what-bank-is-offering-barclay-credit-cards/#respondFri, 27 May 2016 02:41:32 +0000https://balancetransferpromotions.net/?p=108Continue reading "What Bank is Offering Barclay Credit Cards"]]>
Barclay credit cards are issued by Barclays bank which is a banking firm headquartered in Canary Wharf, London. The bank has already exist for several hundreds years and was founded on the 17th November 1690. Barclays is the first bank to offer credit card for consumers in the UK. The Barclays Connect card was launched on the June 1987. Barclays has also acquired a number of credit card companies including US based Juniper Bank, and Spanish based Banco Zaragozania to get more customers. Barclays credit cards are offered to consumers in over 200,000 countries. It has branches worldwide and operate more than 600,000 ATMs. All the cards that Barclays offer provide good rewards programs.

Barclaycard CashForward offers a $100 cash back signup bonus when customers spent $500. Using the Barclaycard CashForward to buy things can earn you 1.5% of cashback rewards and you also get a 5% cash rewards bonus everytime you redeem the cashback rewards. Barclaycard Rewards is a point rewards card that you can use to earn 2 points when pumping gas at the local petrol station, and paying for utility bills. You also earn 2x points when you swipe your card for your purchases at the supermarkets including Target and Walmart. The points you have accumulated on your Barclaycard Rewards MasterCard can be redeemed as a deposit into your bank account. It can also be redeemed as a statement credit and gift cards. Every 1,000 points you have collected is equivalent to $10.

If you enjoy traveling, you can apply for the Barclays Carnival card which allows you to earn discounts for Carnival as well as other popular cruise lines. Cardholder also stands a chance to earn a free cruise when they use their Carnival card to buy everyday items. Barclays Choice Privileges card allows you to earn points that can be redeemed for free hotel stays at selected locations.

Diamond Resorts allows you to earn double points when you swipe your card for purchases at the Diamond Resorts. The points you earn via the Diamond Resorts can be redeemed for statement credits. Holland America Line gives you the opportunity to earn double points when you purchase the cruise packages from Holland America Line. Priceline Rewards helps you to save money when you make reservation on hotel, flights and car rental through the Priceline.
Barclays also offer retail credit cards like Barnes and Noble and L. L. Bean. The Barnes and Nobles card allows you to earn points that can be redeemed gift cards applicable for purchases at the Barnes and Noble store. You enjoy discounts on selected items and you get to earn a gift card worth $25 after the first purchase. The L.L. Bean card allows you to enjoy benefits like free return shipping, buy discounted items at the exclusive sales for members and earn coupons.

]]>https://balancetransferpromotions.net/what-bank-is-offering-barclay-credit-cards/feed/0Cash rebate credit cards with best sign up bonus offers 2016https://balancetransferpromotions.net/cash-rebate-credit-cards-with-best-sign-up-bonus-offers-2016/
https://balancetransferpromotions.net/cash-rebate-credit-cards-with-best-sign-up-bonus-offers-2016/#respondThu, 31 Mar 2016 00:43:07 +0000https://balancetransferpromotions.net/?p=102Continue reading "Cash rebate credit cards with best sign up bonus offers 2016"]]>Sign up for a cash rebate credit card and save money on items that you normally buy every day. Earning back money that you have spent is a smart way to reduce your expenses. With a cash back card, you can earn back a certain percentage of the money you spend on all your purchases if you use your credit card to pay for them. Here are some of the top cash rebate credit cards that will give you the best sign up bonus offers in 2016.
Chase Freedom Credit Card
The Chase Freedom card offers a $ 150 sign up bonus after you spend your first $ 500 within the first 3 months of acquiring the card. You also get 5% cash back on up to $ 1, 500 that you spend on a quarterly rotating basis. The good thing about items that you can buy with this card is that they are everyday items that you will probably spend money on anyway, like gas, grocery bills, restaurants and wholesale clubs. You then get 1% cash back on all other purchases. You pay $ 0 in annual fees and you get a 0% APR for the first 15 months on all purchases and balance transfers. Your reward points never expire.
BankAmericard Cash Rewards Credit Card

This card offers a $ 100 sign up bonus, if you spend up to $ 500 on your card within the first 3 months of signing up for the card. You get 3% cash back on gas and 2% cash back on grocery up to $ 1, 500 per quarter. You get 1% cash back on every other purchase. If you choose to redeem your rewards into a Bank of America checking or savings account or investment account, you can get a 10% to 75% reward bonus. The minimum redemption is $ 25. You pay $ 0 in annual fees.

Blue Cash Preferred Card

You get a $ 100 sign up bonus if you spend at least $ 1, 000 within the first 90 days of signing up for this card from American Express. If you sign up for the card before 16th June 2016, you get a 10% cash back on all US wireless service providers for up to the first $ 2, 000 spent on purchases. This is for services provided until the end of 2016. You get 3% cash back on supermarket purchases, for up to $ 6,000 in yearly spending. After the annual limit has been exceeded, you get 1% cash back, this is a great offer from AMEX as their other top offer, for the Starwood travel rewards card is scheduled to end in March of 2016.

Barclaycard CashForward World MasterCard
You get a $ 100 sign up bonus when you spend at least $ 500 within the first 3 month of registering for the card. You also earn 1.5% cash back on all purchases that you make. There are no spending limits or rotating categories with this card. For any redemption that you carry out, you get a 5% redemption bonus. You can redeem money earned into your bank account, statement credit or use it to buy a gift card.
Stay tuned to balance transfer promotions as we bring you the best balance transfer credit cards, 0% deals and unique zero percent card offers for 2016 to help you save money on all of your credit card needs!

When I was in high school, we learned the proper way to write checks. They don’t teach that anymore. They also don’t teach how to budget, and it is something everyone should know how to do. When we properly budget our money, it allows us to save, plan for retirement, our children’s college education, really anything you want to spend money on it is just a matter of proper budgeting.

However, just like we still need to learn basic math and English skills because we can’t rely on modern technology to do everything for us, it is a good idea to have an idea of how to create a budget on your own, even you do use your computer and a program like Microsoft Excel to help make it.

Needless to say, the first thing you need to create a budget is your income and expenses. If your income fluctuates, base your income on the minimum base you will get over the course of a month. Doing it that way, you may end up with extra money, but it is always better to have more money than you budgeted for than not enough. If you have a regular income each pay period, but sometimes get overtime, don’t include the overtime in your income just yet.

Ok, so now you know the minimum amount of money you can expect to have each month, so it’s time to look at your expenses. First, list all of your fixed expenses, things like rent, car payments, insurance, anything that remains the same each month. Hopefully, when you have added these things up, it is still less than your total monthly income.

Next, you will want to list necessities; things that you must have, but how much you spend can fluctuate or you have some control over. This would be things like utilities and groceries. A note on your utility costs: many utility companies offer budget payments. They calculate how much you spent on the particular utility (think electric, gas, heating oil), and then they figure out a monthly payment that doesn’t fluctuate. One very important thing to be careful with this is that if you use more than the budgeted amount, at one point during the year, the utility company is going to want you to pay the outstanding balance, so your goal is to stay under budget. Then they give you a credit when that point comes, and credits are always a good thing.

Remember, you can to some extent control your electric, gas and heating oil use. Lower wattage bulbs when you don’t need quite so much light, turning lights out, adjusting your electric hot water heater can all be big money savers on your electric. As far as gas and heating oil, with heating oil, you can always turn the thermostat down, wear a sweater and use less oil. In regards to gas, a lot depends on how much you use gas for. It could be just for cooking, or just for heat, and you might have a washer and dryer that operate on gas, or it could be all of them. Ways to save a little on those costs include again, turning the thermostat down and wearing a sweater, but also with the washer and dryer, you can save a lot by only doing full loads of laundry as opposed to just a couple of items. Many utility companies also have programs where they will come to your home (free of charge) and inspect your home and give you some ideas of how you can reduce the costs of that particular utility.

When it comes to groceries, many of us overspend and end up throwing things out, which is a waste of food and money. But as humans, we are also creatures of habit, meaning that we might be so used to buying a particular brand, it never really occurs to us to try one that is less expensive or even the store brand. Most store brands are made by the major companies and relabeled for the store. So it is the same product at a much lower price. I will be the first to admit that there are some things that I want a particular brand, and it is worth the cost to me. I also admit to trying a store brand, and finding it so repulsive, I had to throw it out. But that store brand cost me a couple of dollars, and had I liked it, would have regularly saved me twice that. Sometimes, we just need to take the chance.

Finally, the experts you recommend you “pay yourself first,” meaning that you put something into your savings before anything else. I’m in no position to argue with the experts, but only you can decided which is best for you based on your income and lifestyle. Regardless, even if it seems like such a small amount, it couldn’t make a difference, it adds up. Think about it, if you can only afford to put ten dollars in savings a week, at the end of the year, that’s still $520. That might mean nothing if you’re a millionaire, but for most of us, that’s a nice little chunk of money.
For additional tips for reducing your interest and saving money in 2016, stay tuned to balance transfer promotions for offers, deals and advice on locking in savings with credit cards!

]]>https://balancetransferpromotions.net/budgeting-101-key-towards-achieving-financial-goals-in-2016/feed/0Tips For Making The Best Out Of Your 2015 Vacation Planshttps://balancetransferpromotions.net/tips-for-making-the-best-out-of-your-2015-vacation-plans/
https://balancetransferpromotions.net/tips-for-making-the-best-out-of-your-2015-vacation-plans/#respondSun, 05 Jul 2015 01:34:58 +0000https://balancetransferpromotions.net/?p=88Continue reading "Tips For Making The Best Out Of Your 2015 Vacation Plans"]]>With summer just around the corner, many people are dreaming of their summer time dream vacation. Yet many of these same people are stressed out over how to save up for their trips. Our friends from the Top Credit Cards for 2015 provided us with some great tips for saving money and getting the best credit card offers this summer. Saving money for your dream vacation should not be stressful. Everyone deserves a vacation, and even though they can be expensive, it doesn’t mean it is out of reach for you. You can fund a vacation without resorting to credit cards or expensive loans. If you take the time to plan a budget and plan out your trip well in advance you will be on your way to your dream vacation in no time, provided that you make a reasonable vacation budget and stick to it.

The first step towards budgeting for your vacation is to understand how much you will be spending. Where you will be staying and what time of year you plan to go is therefore vital to know. Every vacation spot on the planet has peak vacation season and off season times. Peak vacation time you can expect to pay more, while off season will be markedly cheaper. You can then research hotel accommodation costs for the time frame you plan to travel.

You next need to take into account your travel costs. regardless if you are driving or flying, each will have a ballpark figure, depending on what time of the year you plan to travel. Other travel costs to factor in will be rental cars or any public transportation at your final destination.

Lastly you need to take into account meals or dining expenses, and other costs. Entertainment, drinks, money for site seeing, excursions, and area attractions should be taken into account. Many people set up a daily budget for when they arrive at their final destination. You should do all your research to figure out approximate costs here. You will never arrive at an exact figure so assume you need as much as $500 to $1000 additional dollars above and beyond what you expect.

If you really want a stress free vacation that is very easy to budget for, you should look into an all inclusive resort. These resort packages include airfare and transportation, as well as lodging, meals, beverages and entertainment, as long as you stay on the resort. Under these vacation plans the only money you need is if you decide to go exploring off of the resort.

Some tips for reducing the cost of your vacation:
Limit your luggage if flying
If you are taking an airplane to your travel destination, consider only allowing what your airline allows for free to cut down on expenses. You could also apply ahead of time for an airline rewards credit card which offers 1 or 2 checked bags for free. Many of these cards also have a sign up bonus worth several hundred dollars, provided that you spend a certain amount within 3 to 4 months of opening the account.

Deals and bundles
When planing your trip always be on the look out for bundles or deals. Triple A or the AAA often has bundle deals for its members. Some hotels offer deals on local car rentals and shuttle rides. You can at times get a pass to multiple area attractions as well.